CN101048790A - Authentication and payment system and method using mobile communication terminal - Google Patents
Authentication and payment system and method using mobile communication terminal Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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Abstract
Disclosed herein are an authentication and payment system and method. The authentication and payment system of the present invention includes an issuer server, an issuer information management intermediate server, an acquirer server and a payment server. The issuer server issues, manages and operates payment means. The issuer information management intermediate server manages URL information required to access domestic and foreign issuer servers. The acquirer server performs payment approval and performs acquisition and settlement for member stores. The payment server intermediates between the issuer server and the acquirer server to provide an authentication and payment service in response to a request from a terminal of the merchant. Accordingly, the present invention can provide a safe and convenient payment process with respect to payment means, such as credit cards, electronic money or mobile phone micro payment that can be selected between a purchaser and a merchant.
Description
Technical field
The present invention relates to a kind of authentication and payment system and method for utilizing mobile communication terminal, relate in particular to the following authentication that utilizes mobile communication terminal and payment system and method, promptly the off-line between trade company and buyer is sold transaction directly to households and is used such as terrestrial broadcasting, in multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of the printed medium transaction, described system and method utilizes the terminal (mobile communication terminal of trade company, catv terminal or the terminal that connects by leased line) and buyer's mobile communication terminal, under the situation of the payment information that does not leak described buyer, authenticate individually and check and approve.
Background technology
The field of never predicting to people has been expanded in the development of computing machine and information and communication technology (ICT) fast.Therefore, nobody can predict when and where new technology will occur.Particularly, the development of Virtual Space is incredible.Business transaction and education, meeting, exhibition and medical examination are all carried out in the space, the Internet.Therefore, state-of-the-art information and communication technology (ICT) influences human daily life just apace, makes people live in now in the society of information guiding, rather than in industrialization society.
Recently, global country and enterprise all are absorbed in internet electronic commercial and the electronic business transaction center that ecommerce is provided.Electronic business transaction center advantage is: under the situation of digital media products, and the providing of merchandise news, payment processes even pay the restriction that can both not be subjected to time and space or the constraint of distance and concentrate and carry out.Therefore, the mind-set client provides such as convenience and the advantage saving time in the electronic business transaction, and provide such as simplifying that thereby allocated phase reduces cost and the advantage the enterprises propagandist cheaply to enterprise, therefore allow client and enterprise all to utilize the electronic business transaction center.
Because ecommerce is expansion constantly by this way, so method of payment is widened apace.Payment major part on the Internet is finished by using to deposit on credit card and the line.Yet (AudioResponse System, new modes of payments ARS) occurs, and popular rapidly recently, to use mobile phone or wire/wireless voice response system.
Particularly, because the more general trend of pay content occurred, so the micropayments service rolls up as being used to pay the mode of the content below 1000 won.In above micropayments service, be easy to carry out and make things convenient for this advantage owing to bought commodity payment afterwards, so use the payment services of cable/radio telephone set especially to be extensive use of by younger generation by penny ante.Therefore recently, utilize the use of the payment services of cable/radio telephone set progressively to increase, and gradually reduce by the use of deposit payment on the line.
At present, various system and methods are applied to utilizing according to various authentications and approval procedure the electronic fare payment system of the Internet.In described system and method, based on security socket layer (Secure Socket Layer, SSL) electronic fare payment system is so a kind of scheme, that is, to user's payment information with payment authentication information is encrypted and utilize described SSL to send encrypted information to shopping center, issuer or the like.Described electronic fare payment system based on SSL can be developed and use relatively easily, and the low and method authentication holder needs independent payment authentication information but its problem is security.
In addition, be published on the secure electronic transaction that is used for strengthening low-security (Secure Electronic Transaction in 1997, SET) carry out double-encryption so that prevent to leak payment information based on certificate of certification (personal certificate that comprises the user), therefore increased security and guaranteed reliability.Yet it is too complicated that the problem of SET is that this system implementation gets up, so SET is not widely used.
Recently, thus adopted the user authentication process of issuer and payment authorization process separately allowed to be born the authentification of user responsibility and allowed described issuer to participate directly in method in the payment process by issuer.For the method, the authentication payment services such as the J/Secure of the security code of the VISA checking of the VISA company that uses the 3-D security protocol, MasterCard company and JCB company have been provided for credit card member company recently.A kind of at home independent E-Payment service based on certificate is provided to satisfy the needs of valid system with described authentication payment services.
Simultaneously in offline electronic payment, introduced a kind of credit card based on chip (adopting the credit card based on smart card of Europay, MasterCard, Visa (EMV) standard), this credit card has improved security and stability prevents that typical magnetic credit card is forged and illegal the use.This technical need and distortion thereof be VISA, MasterCard and member corporation be prevent to increase fast pass through to duplicate and forge the solution of illegally using the card payment information.
Yet, because the characteristic of typical transaction causes the introducing of new user's on-line authentication techniques not to be applied to some service commercial field yet.
These service commercial fields comprise the direct selling of the transaction that is used between buyer and the trade company and contract execution payment and work on the knocker.The process of commodity (its allow buyer aspectant from the merchant purchasing commodity) is worked on the knocker in purchase and using phone to buy in the process of mail-order commodity, described buyer is to the payment information of the oral reception and registration of described trade company such as credit card information, and described trade company need not to authenticate described buyer and is to use the described buyer's who is received payment information to ask approved for payment, thereby finishes payment process.
A kind of basis is implemented transaction under the situation of telemarketing method of commerce allows service provider and credit card company to work out special contract as member store, need not independent verification process and only use hand-written credit number, the credit card term of validity or resident registration number just to sign sale note, and need not to obtain the signature of consumer on described sale note and just open bill by the credit sale price and give credit card company, described method of commerce comprises mail-order marketing, directly works on the knocker or the like.This kind transaction is called as hand-written transaction, and uses the member store of described hand-written transaction to be classified as in " hand-written trading member shop ".
directly work on the knocker and mail-order marketing in use the problem of the payment process of hand-written sale note to be not have to carry out independent verification process for buyer's payment information, buyer's important payment information is leaked inevitably to trade company in this external payment process.
Simultaneously, use the mail-order marketing of hand-written transaction or the problem in the field of direct selling directly to households to be, and contain the risk of leaking payment information all the time, thereby cause buyer's direct economic loss because described transaction method causes them can not comprise independent verification process.
In addition, the other problem in hand-written trading member shop is that they must be proportional to hand-written transaction in financial institution risk is the fund of the some in the security storage credit limit, make the initial outlay burden increase, and it is difficult to guarantee professional stability, and financial institution also the outer independent Financial Management expense of levy keep and manage hand-written trading member shop, but its reliability also can not get guaranteeing.
Summary of the invention
Therefore, made the present invention at the problems referred to above that occur in the early stage technology, and an object of the present invention is to provide a kind of following authentication that utilizes mobile communication terminal and payment system and method, promptly the off-line between trade company and buyer is sold transaction directly to households and is used such as terrestrial broadcasting, in multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of the printed medium transaction, described system and method utilizes the terminal (mobile communication terminal of trade company, catv terminal or the terminal that connects by leased line) and buyer's mobile communication terminal, under the situation of the payment information that does not leak described buyer, authenticate individually and check and approve, and described system and method provides safety and payment process easily in off-line member store or the small-sized member store such as vending machine, and the disadvantage of described off-line member store is that it can not install payment terminal or that described terminal expection economic benefit is installed is not high because position and transaction characteristic cause
To achieve these goals, the invention provides a kind of authentication and payment system, described system utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, carrying out off-line between trade company and the buyer sells transaction directly to households and uses such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction, described authentication and payment system comprise: issuer's server is used for distribution, management and operation are such as credit card, electronic money, mobile phone micropayments mode or from the modes of payments of direct debit of bank account and so on; The acquirer server is used to carry out approved for payment and is the single and clearing of member store execution receipts; And paying server, between described issuer server and described acquirer server, provide authentication and payment services with request in response to described merchant tenninal.
Described paying server is used for: if described paying server also receives the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information except that described buyer's payment authentication information, then described paying server is carried out the process whether described buyer of affirmation has customized authentication service with described issuer server cooperation; Send callback URL message (Short Message Service: the SMS or the Multimedia Message service: MMS message) of the URL information that comprises that the described paying server of visit is required to described buyer's mobile communication terminal.If described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described paying server is carried out the process of the detailed single and described buyer's of the purchase of confirming to comprise payment payment information; Reception such as password, PIN (Personal Identification Number) (Personal Identification Number, PIN) or the payment authentication information about described buyer of chip authentication password and so on; Send the payment information that comprises payment authentication information, purchase information and the modes of payments information received to described issuer server; And request payment authentication.
If the corresponding transaction of described issuer server authentication and send indication and whether authenticate the successful authentication result, then described paying server will send to described acquirer server from the authentication result of described issuer server reception and the payment information that receives from described merchant tenninal, thereby allow described acquirer server approved for payment.
Described issuer server is used for: when the described issuer of described paying server request server confirms whether described buyer has customized described authentication service, described issuer server sends response, and described issuer server with the payment authentication information that received during with the distribution modes of payments payment authentication information of registered in advance and storage compare, thereby authenticate, if and receive from described paying server and to comprise described payment authentication information, whether successful the payment information of purchase information and modes of payments information and asked payment authentication then send indication authentication result to described paying server.
If receive by the approved for payment request that obtain, that comprise sure authentication result of described issuer server from described paying server, then described acquirer server is paid for corresponding transaction and is checked and approved.
In addition, the invention provides a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, and the off-line of carrying out between trade company and the buyer is sold transaction and the multimedia of use such as terrestrial broadcasting, satellite broadcasting or catalogue or the mail-order marketing transaction of printed medium directly to households.
Described authentication and payment system comprise: issuer's server is used for distribution, management and the operation modes of payments; Distribution of information management intermediate server is used for the required URL information of management access home and overseas issuer server; The acquirer server is used to carry out approved for payment and is the single and clearing of member store execution receipts; And paying server, between described issuer server and described acquirer server, provide authentication and payment services with request in response to described merchant tenninal.
Described paying server is used for: if described paying server also receives the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information except that described buyer's payment authentication information, the callback URL message (SMS or MMS message) that then described paying server sends the URL information that comprises that the described paying server of visit is required is given described buyer's mobile communication terminal.
Described paying server obtains the required URL information of issuer's server of visit corresponding payment mode from described issuer information management intermediate server; Send the described server access URL of issuer information and be connected to the buyer's of described paying server mobile communication terminal, make described buyer's mobile communication terminal to carry out described verification process with described issuer server to callback feature by described callback URL message.
If receive sure authentication result from described issuer server, then described paying server sends to described acquirer server with described authentication result together with the payment information that receives from described merchant tenninal, to allow carrying out approved for payment by described acquirer server.
If receive described modes of payments information from described paying server, then described issuer information management intermediate server sends the required URL information of issuer's server of the corresponding modes of payments of visit to described paying server.
Described issuer server is used for: if described buyer's mobile communication terminal utilizes the described server access URL of issuer to visit described issuer server, the described buyer's of then described issuer's server requests mobile communication terminal input and transmission are about the payment authentication information of the described modes of payments, the payment authentication information of registered in advance and storage compares the corresponding transaction of authentication then during with the described modes of payments of distribution with the payment authentication information received.
If receive authentication result from described paying server, then described acquirer server by utilizing authentication result is checked and approved.
In addition, the invention provides a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, and the off-line of carrying out between trade company and the buyer is sold transaction and the multimedia of use such as terrestrial broadcasting, satellite broadcasting or catalogue or the mail-order marketing transaction of printed medium directly to households.
Described authentication and payment system comprise: paying server, be used to be inserted between issuer's server and the acquirer server so that authentication and payment services to be provided, described issuer server responds the request of described merchant tenninal and issues, manages and the operation modes of payments, and described acquirer server is carried out approved for payment and is that member store is carried out receipts list and clearing.
Described paying server comprises: callback URL message sending unit, if described paying server is except about also receiving the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information from described merchant tenninal described buyer's the payment authentication information, then described callback URL message sending unit produces and comprises that the mobile communication terminal that allows described buyer visits the callback URL message of the URL information of described paying server (SMS or MMS message), and sends the mobile communication terminal of described callback URL message to described buyer; The payment information confirmation unit, if described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described payment information confirmation unit and described buyer's mobile communication terminal cooperation confirms that the buyer who comprises payment buys detailed list and payment information; And authentication result answer unit, if described payment information is identified, then ask described buyer's mobile communication terminal input payment authentication information; If received described payment authentication information, then send the payment information comprise corresponding purchase information and modes of payments information and payment authentication information to described issuer server, and to described issuer server requests payment authentication; And if receive authentication result from described issuer server, then described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal, thereby allow to carry out approved for payment by described acquirer server.
In addition, the invention provides a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, and the off-line of carrying out between trade company and the buyer is sold transaction and the multimedia of use such as terrestrial broadcasting, satellite broadcasting or catalogue or the mail-order marketing transaction of printed medium directly to households.
Described authentication and payment system comprise: paying server, be inserted between issuer's server, issuer's information management intermediate server and the acquirer server so that authentication and payment services to be provided, described issuer server is in response to request distribution, management and the operation modes of payments of described merchant tenninal, the required URL information of described issuer's information management intermediate server management access home and overseas issuer's server, described acquirer server are carried out approved for payment and are the single and clearing of member store execution receipts.
Described paying server comprises: callback URL message sending unit, if described paying server is except about also receiving the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information from described merchant tenninal described buyer's the payment authentication information, then described callback URL message sending unit produces and comprises that the mobile communication terminal that allows described buyer visits the callback URL message of the URL information of described paying server (SMS or MMS message), and sends the mobile communication terminal of described callback URL message to described buyer; The payment information confirmation unit, if described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described payment information confirmation unit and described buyer's mobile communication terminal cooperation confirms that the buyer who comprises payment buys detailed list and payment information; The server access URL of issuer acquiring unit, if receive modes of payments information from described merchant tenninal or from described buyer's mobile communication terminal, the then described server access URL of issuer acquiring unit sends described modes of payments information to described issuer information management intermediate server, thereby obtains the required URL information of issuer's server of the described modes of payments of visit; The server access URL of issuer transmitting element, the server access URL of the issuer information that utilization is obtained by the described server access URL of issuer acquiring unit, to be used for the redirect message that the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server is sent to the buyer's who has confirmed described payment information mobile communication terminal, carry out authentication by described issuer server thereby the connection of described buyer's mobile communication terminal is redirected to described issuer server and allows; And authentication result is replied the unit, when between the buyer's who is being connected to described issuer server mobile communication terminal and the described issuer server by when being confirmed to authenticate about the payment authentication information of the corresponding modes of payments, if receive authentication result, then described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal and allows described acquirer server to carry out approved for payment from described issuer server.
In addition, the invention provides a kind of authentication and method of payment of carrying out by authentication and payment system, described system comprises the paying server that is inserted between issuer's server and the acquirer server, the server distribution of described issuer and the operation modes of payments, described acquirer server is carried out approved for payment, described authentication and method of payment are utilized can receiving message and carrying out the mobile communication terminal that wireless Internet is connected of buyer, carry out off-line between trade company and the buyer and sell transaction and use directly to households such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction.
Described authentication and method of payment comprise following steps: callback URL message forwarding step, if except that described buyer's payment authentication information, also receiving the payment information and the payment that comprise mobile communication terminal number and transaction purchase information from described merchant tenninal is requested, then produce the callback URL message (SMS or MMS message) of the URL information that comprises that the described paying server of visit is required, and send the mobile communication terminal of described callback URL message to described buyer; Buy validation of information and modes of payments information forwarding step, the mobile communication terminal cooperation that is connected to the buyer of described paying server with callback feature by described callback URL message confirms to comprise the buyer's of payment detailed list of purchase and payment information; The authentication request step, if described payment information is identified, then ask the payment authentication information of described buyer's mobile communication terminal input about the corresponding payment mode, if and received described payment authentication information from described buyer's mobile communication terminal, would then send described payment authentication information and modes of payments information and come to described issuer server requests payment authentication to corresponding issuer server; And authentication result is returned step, if thereby the payment authentication information of payment authentication information that described issuer server will receive from described buyer's mobile communication terminal and registered in advance compares the corresponding transaction of authentication, and send the whether successful result of indication authentication to described paying server, then described paying server send the authentication result that receives from described issuer server and the payment information that receives from described merchant tenninal to described acquirer server check and approve so that allow described acquirer server by utilizing to come to pay for the described modes of payments from the authentication result of described issuer server.
In addition, the invention provides a kind of authentication and method of payment of carrying out by authentication and payment system, described system comprises and is inserted in issuer's server, paying server between issuer's information management intermediate server and the acquirer server, the server distribution of described issuer and the operation modes of payments, the required URL information of described capable mechanism information management intermediate server management access home and overseas issuer's server, described acquirer server is carried out approved for payment, described authentication and method of payment are utilized can receiving message and carrying out the mobile communication terminal that wireless Internet is connected of buyer, carry out off-line between trade company and the buyer and sell transaction and use directly to households such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction.
Described authentication and method of payment comprise following steps: callback URL message forwarding step, if except that described buyer's payment authentication information, also receiving the payment information and the payment that comprise mobile communication terminal number and transaction purchase information is requested, then produce the callback URL message (SMS or MMS message) of the URL information that comprises that the described paying server of visit is required, and send the mobile communication terminal of described callback URL message to described buyer; Buy validation of information and modes of payments information forwarding step, the mobile communication terminal cooperation that is connected to the buyer of described paying server with callback feature by described callback URL message confirms to comprise the buyer's of payment detailed list of purchase and payment information; The redirect request step, if described payment information is identified, then described paying server uses the server access URL of the issuer information obtained by described issuer information management intermediate server that redirect message is sent to described buyer's mobile communication terminal, and described redirect message is used for the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server; And authentication result is returned step, if thereby the payment authentication information of payment authentication information that described issuer server will receive from described buyer's mobile communication terminal and registered in advance compares the corresponding transaction of authentication, and send the whether successful result of indication authentication to described paying server, authentication result that then described paying server will receive from described issuer server and the payment information that receives from described merchant tenninal send to described acquirer server, check and approve so that allow described acquirer server by utilizing to come to pay for the described modes of payments from the authentication result of described issuer server.
In the present invention, mobile communication terminal has the function that is connected with wireless Internet and so on such as message sink (for example, Short Message Service (SMS) message or Multimedia Message service (MMS) message) as basic function.In addition, described mobile communication terminal has various wireless Internet linkage functions, such as carry out the wireless Internet connection that wireless Internet connects, uses the wireless Internet of specific abbreviation sequence number to connect and uses the linking URL information in the two-dimensional bar (it is the printing mode image code) by the mobile communication terminal that is equipped with camera by terminal application software (for example virtual machine).In addition, described mobile communication terminal has intelligent card chip can be installed in wherein slot, or the plastic clip that includes chip if necessary the time can be inserted into the slot of wherein paying.
Description of drawings
Fig. 1 is the block scheme that the structure of authentication according to an embodiment of the invention and payment system is shown;
Fig. 2 is the block scheme of structure that the paying server of Fig. 1 is shown;
Fig. 3 be illustrate according to another embodiment of the invention authentication and the block scheme of the structure of payment system;
Fig. 4 is the block scheme of structure that the paying server of Fig. 3 is shown;
Fig. 5 is the process flow diagram of authentication according to an embodiment of the invention and method of payment;
Fig. 6 be according to another embodiment of the invention authentication and the process flow diagram of method of payment; And
Fig. 7 be illustrate according to other embodiments of the present invention authentication and the process flow diagram of method of payment.
Embodiment
By following detailed description also in conjunction with the accompanying drawings, above and other purpose, characteristic and other the advantage of the present invention incited somebody to action easy to understand more.
Describe embodiments of the invention in detail below with reference to accompanying drawing.
Fig. 1 is the block scheme that the structure of authentication and payment system is shown according to an embodiment of the invention, and Fig. 2 is the block scheme of structure that the paying server of Fig. 1 is shown.Fig. 1 and 2 has illustrated the embodiment that wherein authenticates buyer's mobile communication terminal by described paying server.
As shown in Figure 1, authentication and payment system 100 comprise according to an embodiment of the invention: paying server 110, it is connected to buyer's mobile communication terminal 10 by mobile communications network 11, by mobile communications network, cable network or lease the terminal 20 that circuit network is connected to trade company, also can be connected to buyer's mobile communication terminal 10 and merchant tenninal 20 by wireless Internet; Issuer's server 120 and acquirer server 130, be used for by the medium of described paying server 110 carry out the authentication and check and approve; And the intermediate server between paying server 110 and acquirer server 130.
In the present invention, buyer's mobile communication terminal 10 and merchant tenninal 20 have such as receive message (for example SMS or MMS message) and function wireless Internet is connected as basic function.In addition, terminal 10 and 20 has various wireless Internet linkage functions, connects, uses the wireless Internet connection of specific abbreviation sequence number and use the wireless Internet of the linking URL information of two-dimensional bar (it is the printing mode image code) form to connect by the mobile communication terminal that is equipped with camera such as the wireless Internet by terminal application software (for example virtual machine).In addition, terminal 10 and 20 can have intelligent card chip can be installed on wherein slot, or the plastic clip that includes chip in case of necessity in payment process can be inserted into slot wherein.
Described merchant tenninal can be installed in the vending machine and with described paying server collaborative work.In addition, in the process that realizes purpose of the present invention, the Guest Pass Center of the home shopping company or the service company that directly works on the knocker or ARS system can insert connection procedure between described merchant tenninal and described paying server, perhaps can replace the described buyer that described trade company will receive from described buyer mobile communication terminal, buy detailed list and payment information relaying and send to described paying server.
In addition, paying server 110 is the servers that allow merchant tenninal 20 to connect, merchant tenninal 20 can also or be leased circuit and set up communication except the described wireless Internet of the operation by the end application software such as virtual machine application on the described merchant tenninal is connected by wired Internet.In addition, paying server 110 can also allow the connection of passing through speech network from merchant tenninal 20 except by the connection of data communication network.Therefore, paying server 110 can be the ARS system, and described ARS system handles authentication and Payment Request from described trade company by setting up audio call with merchant tenninal 20 (it is wired or wireless telephone).
In addition, the modes of payments of the present invention is a kind of notion that comprises such as the micropayments of credit card, electronic money, member card, use mobile phone or the various modes of payments from the direct debit of bank account, and can comprise other the modes of payments in addition.
In addition, the path of the type of described merchant tenninal, the described paying server of visit and notions such as the method and the described modes of payments are applied to embodiment subsequently equally.
At first, if paying server 110 is except about also receiving the payment information of the mobile communication terminal number that comprises described buyer from merchant tenninal 20 the payment authentication information of described buyer's the modes of payments, purchase information (bought item and payment) and/or modes of payments information (for example, credit card number, the electronic money identifying information, account transfer number of the account or the like), then paying server 110 uses described buyer's payment information to confirm whether custom authentication service of described buyer by described issuer server, produce callback URL message (SMS or MMS message) and visit paying server 110, and (Uniform Resource Locator, URL) message is given buyer's mobile communication terminal 10 to call back URL(uniform resource locator).
In addition, when paying server 110 will send to the mobile communication terminal 10 that is connected to the buyer of paying server 110 by the callback feature of described callback URL message from detailed list of described purchase and the described modes of payments information that merchant tenninal 20 receives, perhaps when buyer's mobile communication terminal 10 receives the detailed single and described modes of payments information of described purchase, paying server 110 is confirmed described buyer's the singly detailed and modes of payments information of purchase with buyer's mobile communication terminal 10.Therefore, the payment authentication information of password, PIN (Personal Identification Number) (PIN) information or chip authentication password of all buyers' as described the modes of payments and so on is imported and sent to the paying server 110 described buyers' of request mobile communication terminal, and the payment authentication information and the payment information that will receive from buyer's mobile communication terminal 10 send to issuer's server 120, thereby to issuer's server 120 request payment authentications.
In the above description, paying server 110 can at first receive described buyer's modes of payments information from the merchant tenninal 20 of request payment, perhaps the mobile communication terminal 10 from the buyer receives described modes of payments information in the process of confirming described payment information with the buyer's who is connected to paying server 110 mobile communication terminal 10.
In addition, if paying server 110 receives described modes of payments information from buyer's mobile communication terminal 10 or merchant tenninal 20, then paying server 110 sends to issuer's server 120 with the modes of payments information that receives, request issuer server 120 confirms whether user's (being the buyer) of corresponding payment mode the authentication service that is provided by issuer's server 120 has been provided, if and issuer's server 120 confirms to have customized described authentication service, then can carry out step subsequently.
In addition, paying server 110 receives the authentication result of carrying out with mobile communication terminal 10 cooperations from issuer's server 120, and sends described authentication result to acquirer server 130, thereby allows to carry out approved for payment by acquirer server 130.
In this case, to acquirer server 130, can carry out the request of approved for payment by the approved for payment request message that allows paying server 110 to send to include described authentication result.In addition, directly ask approved for payment by allowing paying server 110 to send authentication result to acquirer server 130, merchant tenninal 20 and buyer's mobile communication terminal 10 and permission merchant tenninal 20, can carry out the request of approved for payment to acquirer server 130.
120 distribution of issuer's server, management and the operation modes of payments, payment authentication information that will receive from paying server 110 and payment information and compare about the described buyer's of the modes of payments payment authentication information, and the information that checking is compared, thereby the corresponding transaction of authentication, wherein said buyer's about the modes of payments payment authentication information when the described modes of payments of distribution storage or in early days in the registration process by described buyer's storage.
Simultaneously, 10 pairs of payment authentication information such as password, PIN or chip authentication password of buyer's mobile communication terminal are encrypted, and encrypted payment authentication information is sent to paying server 110.Paying server 110 sends to issuer's server 120 with encrypted payment authentication information.Preferably, issuer's server 120 receives and deciphers described encrypted payment authentication information, obtains payment authentication information, and carries out authentication by comparison and validation of payment authentication information.
Among the present invention, for certificate scheme, can utilize digital signature scheme, the biostatistics identifying schemes of the scheme that comprises based on password, chip solution, use certificate or use the various certificate schemes of the token certificate scheme of randomizer and individual black list card.Payment authentication information according to described certificate scheme can be imported in person by described buyer, can store in the mode of utilizing the stored value card that software realizes in mobile communication terminal, perhaps can be stored in and have intelligent card chip and smart card and can be mounted and be inserted in the smart card of mobile communication terminal of slot wherein.The payment authentication information of storage must be as comprising that the notion of the popularity of individual payment authentication information understands, and described individual payment authentication information must be by importing and confirming that the process of the password of the password of described stored value card or described smart card is sent to server.
In addition, for described service of the present invention only being offered the user of described authentication service, if received modes of payments information from paying server 110, then issuer's server 120 can confirm whether described buyer has customized and the corresponding authentication service of the modes of payments, and will confirm that the result sends to paying server 110.In this case, issuer's server 120 must be managed whether the indication use has been customized described authentication service by the user of the modes of payments of issuer's server 120 management information.
Simultaneously, Fig. 1 shows an embodiment, wherein paying server 110 is connected directly to acquirer server 130, but the intermediate server 140 that is used to insert approved for payment and receive single process also can place between paying server 110 and the acquirer server 130.
With reference to figure 2, describe each assembly of the paying server of describing with reference to figure 1 110 in detail.
As shown in Figure 2, paying server 110 comprises callback URL message sending unit 111, payment information confirmation unit 112 and authentication result answer unit 113.
When merchant tenninal 20 receives described buyer's mobile communication terminal, callback URL message sending unit 111 produces the mobile communication terminal 10 visit paying servers 110 of callback URL message (SMS or MMS message) to allow the buyer that comprise URL information, and sends the mobile communication terminal 10 of described callback URL message to the buyer.
In this case, callback URL message sending unit 111 identifier or the key assignments that are used to retrieve the purchase information that receives from merchant tenninal 20 produces described callback URL message.Therefore, when buyer's mobile communication terminal 10 receives described callback URL message and visits described paying server, callback URL message sending unit 111 preferably allows buyer's mobile communication terminal 10 visit paying servers 110, makes paying server 110 to discern and to manage the connection and the continuation of the Transaction Information between described buyer and the described trade company by using the information such as purchase information, index, identifier or the like that comprises among the URL.
If buyer's mobile communication terminal 10 visits paying server 110 by the callback feature that uses described callback URL message, then payment information confirmation unit 112 is confirmed purchase information by sending the relevant purchase information of payment to buyer's mobile communication terminal 10 or from buyer's the relevant purchase information of mobile communication terminal 10 reception payments, request buyer's mobile communication terminal 10 input modes of payments information, and receive described modes of payments information.
The process of confirming described payment information comprises to be confirmed described purchase information and obtains and confirm described modes of payments information.In an embodiment of the present invention, paying server 110 can obtain described modes of payments information from merchant tenninal 20 or from buyer's mobile communication terminal 10 in the validation of information of paying.
In previous example, when when merchant tenninal 20 receives Payment Request, paying server 110 is except that about also receiving the payment information that comprises mobile communication terminal number and transaction purchase information from merchant tenninal 20 described buyer's the payment authentication information.Payment information confirmation unit 112 will send to the buyer's who is connected to paying server 110 mobile communication terminal 10 from the modes of payments information that merchant tenninal 20 receives, and the confirmation of receipt response, thereby confirm described payment information.
In follow-up example, payment information confirmation unit 112 request be connected to paying server 110 the buyer mobile communication terminal 10 input modes of payments information and receive described modes of payments information from buyer's mobile communication terminal 10, thereby payment confirming information.
In addition, the modes of payments information that payment information confirmation unit 112 will receive from merchant tenninal 20 or buyer's mobile communication terminal 10 sends to issuer's server 120, and request issuer server 120 confirms whether described buyer has customized described authentication service.Only when receiving the response of authentication service customization affirmation from issuer's server 120, payment information confirmation unit 112 can be confirmed corresponding payment information, perhaps allows to reply unit 113 by authentication result and carries out authentication request and processing.
If the affirmation of payment information is finished, then authentication result answer unit 113 request buyers' mobile communication terminal 10 inputs and transmission are about the payment authentication information of corresponding payment mode.If receive described payment authentication information, then authentication result is replied unit 113 and is sent described payment authentication information and payment information to issuer's server 120, thus the request payment authentication.If receive sure authentication result from issuer's server 120, then authentication result is replied unit 113 and is sent described authentication result to acquirer server 130.
Can utilize end-to-end wireless encryption passage and encryption application software on the described terminal to carry out authentication result answer unit 113 request authentication and the operation of reception from the authentication information of buyer's mobile communication terminal 10.Described encryption is by paying server 110 initialization.The payment authentication information of being asked can be the payment authentication information of the input such as password or PIN, perhaps can be the payment authentication information that is included in chip authentication password that produces in the smart card or the electronic signature password that produces by signing electronically.In described terminal, encrypted after the described payment authentication information,, made described payment authentication information be extracted and use by the described encrypted information of paying server 110 deciphering.
Simultaneously, can carry out the request of checking and approving by paying server 110 or merchant tenninal 20 among the present invention.
Therefore, in previous example, authentication result is replied unit 113 transmissions and is comprised the approved for payment request message of sure authentication result to acquirer server 130.If receive from acquirer server 130 and to check and approve the result, then authentication result is replied unit 113 the described result of checking and approving is sent to merchant tenninal 20 and buyer's mobile communication terminal 10, thereby finishes payment.
In the example afterwards, authentication result is replied unit 113 and is sent the mobile communication terminal 10 of authentication result message to acquirer server 130, merchant tenninal 20 and buyer, makes and can directly handle approved for payment between merchant tenninal 20 and acquirer server 130.
In this case, if receive sure authentication result and receive the independent approved for payment request message relevant with the authentication result that is received from merchant tenninal 20 from paying server 110, then acquirer server 130 is handled corresponding payment and is checked and approved and will check and approve the mobile communication terminal 10 that the result sends to merchant tenninal 20 and buyer.
Fig. 3 be illustrate according to another embodiment of the present invention authentication and the block scheme of the structure of payment system, Fig. 4 is the block scheme of structure that the paying server of Fig. 3 is shown.Fig. 3 and 4 has illustrated an embodiment, wherein buyer's mobile communication terminal will directly send to issuer's server and need not to pass through paying server about the payment authentication information of transaction, authenticate described transaction, and obtain the required URL information of visit described issuer server by issuer's information management intermediate server.
Shown in Fig. 3 and 4, authentication according to another embodiment of the present invention and payment system 200 comprise: paying server 210, it is connected to buyer's mobile communication terminal 10 by mobile communications network 11, and can or lease circuit network by mobile communications network, cable network and be connected to merchant tenninal 20; Issuer's server 220 is used for authenticating and checking and approving by paying server 210 execution; Issuer's information management intermediate server 230; And acquirer server 240.
Different with the embodiment of Fig. 1, issuer's server 220 is connected directly to buyer's mobile communication terminal 10 by mobile communications network 11.
If paying server 210 receives the payment information of the mobile communication terminal number, purchase information (for example bought item and payment) and/or the modes of payments information (for example credit card number, electronic money identifying information or the like) that comprise described buyer from merchant tenninal 20, then paying server 210 produces callback URL message (SMS or MMS message) and is connected to paying server 210 and sends the mobile communication terminal 10 of described callback URL message to the buyer.
In addition, paying server 210 will send to the mobile communication terminal 10 that is connected to the buyer of paying server 210 by the callback feature of described callback URL message from the modes of payments information that merchant tenninal 20 receives, thereby confirm described modes of payments information.After this, paying server 210 utilizes the required URL information of server of the issuer of visit corresponding payment modes, and the connection with buyer's mobile communication terminal 10 is redirected to issuer's server 220 from paying server 210 automatically.Therefore, issuer's server 220 authenticates described buyer by using mobile communication terminal 10.
In above process, if receive modes of payments information about described buyer, then paying server 210 sends to issuer's information management intermediate server 230 with the modes of payments information that is received, whether required URL information and the described buyer of issuer's server who whether has obtained visit corresponding payment mode with affirmation has customized authentication service, thereby must ask to confirm obtaining described URL information and customizing described authentication service.In the process of buyer's mobile communication terminal 10 payment confirming informations, can receive described modes of payments information from the merchant tenninal 20 of having asked payment or from the buyer's that is connected to paying server 210 mobile communication terminal 10 at first.
In addition, paying server 210 receives the authentication result of carrying out with mobile communication terminal 10 from issuer's server 220, and send described authentication result to acquirer server 240, thereby allow to carry out approved for payment by acquirer server 240.
In this case, can carry out the approved for payment request to acquirer server 240 by allowing paying server 210 to send the approved for payment request message that includes described authentication result.In addition, can send described authentication result to acquirer server 240 and merchant tenninal 20 and allow merchant tenninal 20 directly to check and approve, carry out described approved for payment request by allowing paying server 210 to 240 requests of acquirer server.
220 distribution of issuer's server, management and the operation modes of payments.If buyer's mobile communication terminal 10 visit issuer servers 220, then the payment authentication information about described buyer's the modes of payments is imported and sent to issuer's server 220 request buyers' mobile communication terminal 10, and use the payment authentication information that receives from buyer's mobile communication terminal 10 to authenticate corresponding transaction.
In this case, utilize end-to-end wireless encryption passage and encryption application software on the described terminal to carry out issuer's server 220 request authentication and the operation of reception from the authentication information of buyer's mobile communication terminal 10.Carry out the initialization of encrypting by described issuer server.The payment authentication information of being asked can be the payment authentication information of the input such as password or PIN, perhaps can be the payment authentication information that is included in chip authentication password that produces in the smart card or the electronic signature password that produces by signing electronically.By described terminal encryption and the described payment authentication information of transmission.Issuer's server 220 receives and deciphers described encrypted payment authentication information and obtain described payment authentication information, carries out authentication then.
For the certificate scheme among the present invention, can utilize the various certificate schemes of the scheme that comprises based on password, chip solution, certificate scheme, biostatistics identifying schemes or the like.Described payment authentication information must all must or send by described buyer's input for the described individual payment authentication information of various certificate schemes as comprising that the notion of the popularity of individual payment authentication information understands.
The required URL information of home and overseas issuer server that issuer's information management intermediate server 230 management access are a large amount of is passed through wireless the Internet access issuer server 220 with the mobile communication terminal 10 that allows the buyer.If receive described modes of payments information from paying server 210, then the issuer's information management intermediate server 230 required URL information of issuer that will visit the corresponding payment mode sends to paying server 210.
In this case, issuer's information management intermediate server 230 will send to corresponding issuer server 220 from the modes of payments information that paying server 210 receives, thereby request issuer server 220 confirms whether user's (being the buyer) of the described modes of payments authentication service that is provided by issuer's server 220 has been provided.Confirm that then issuer's information management intermediate server 230 sends to paying server 210 with described issuer visit URL information and authentication service customization confirmation if customize released authority server 220.
In this case, whether the 220 management indications of issuer's server have been customized the information of described authentication service by the user of the modes of payments of issuer's server 220 management.If receive described modes of payments information from issuer's information management intermediate server 230, then issuer's server 220 confirms whether user's (being the buyer) of corresponding payment mode has customized described authentication service, and sends authentication result to issuer's information management intermediate server 230.
Simultaneously, Fig. 3 shows the embodiment that paying server 210 wherein is connected directly to acquirer server 240.Yet the intermediate server 250 that is used to insert approved for payment and receive single process selectively is placed between paying server 210 and the acquirer server 240.
Each assembly referring now to Fig. 4 detailed descriptionwith reference 3 described paying servers 210.
As shown in Figure 4, paying server 210 comprises callback URL message sending unit 211, payment information confirmation unit 212, the server access URL of issuer acquiring unit 213, the server access URL of issuer transmitting element 214 and authentication result answer unit 215.
When from allowing by mobile communications network, cable network or leasing merchant tenninal 20 that circuit network connects when receiving described buyer's mobile communication terminal, callback URL message sending unit 211 produces a callback URL message (SMS or MMS message) that comprises the URL information of the mobile communication terminal 10 visit paying servers 210 that allow the buyer, and sends the mobile communication terminal 10 of described callback URL message to the buyer.
In this case, callback URL message sending unit 211 identifier or the key assignments that are used for the purchase information that index receives from merchant tenninal 20 produces described callback URL message.Therefore, when buyer's mobile communication terminal 10 receives described callback URL message and the described paying server of visit, callback URL message sending unit 211 preferably allows buyer's mobile communication terminal 10 visit paying servers 210, makes paying server 210 to wait connection and the continuation of discerning and manage the Transaction Information between described buyer and the described trade company by using the purchase information, index, the identifier that comprise among the URL.
If buyer's mobile communication terminal 10 is by the callback feature visit paying server 210 of described callback URL message, then payment information confirmation unit 212 is confirmed purchase information by sending the relevant purchase information of payment to buyer's mobile communication terminal 10 and from buyer's the relevant purchase information of mobile communication terminal 10 reception payments.
The process of confirming described payment information comprises to be confirmed described purchase information and obtains and confirm described modes of payments information.In an embodiment of the present invention, paying server 210 can obtain described modes of payments information from merchant tenninal 20 or from buyer's mobile communication terminal 10 in the validation of information of paying.
In previous example, when when merchant tenninal 20 receives Payment Request, paying server 210 is except that about also receiving the payment information that comprises mobile communication terminal number and transaction purchase information from merchant tenninal 20 described buyer's the payment authentication information.In this case, payment information confirmation unit 212 will send to the buyer's who is connected to paying server 210 mobile communication terminal 10 from the modes of payments information that merchant tenninal 20 receives, and the confirmation of receipt response, thereby confirm described payment information.
In follow-up example, 212 requests of payment information confirmation unit are connected to the buyer's of paying server 210 mobile communication terminal 10 input modes of payments information, and receive described modes of payments information, thereby payment confirming information from buyer's mobile communication terminal 10.
In addition, if receive modes of payments information from merchant tenninal 20 or from buyer's mobile communication terminal 10, then issuer's server access URL acquiring unit 213 sends the modes of payments information that received to issuer's information management intermediate server 230, to issuer's information management intermediate server 230 request and obtain the required URL information of issuer's server of visit corresponding payment mode, and to intermediate server 230 requests with obtain the described buyer of indication and whether customized affirmation result with the corresponding authentication service of the described modes of payments.
The server access URL of issuer transmitting element 214 will be used for the redirect message that the connection of buyer's mobile communication terminal 10 is redirected to issuer's server 220 automatically from paying server 210 is sent to buyer's mobile communication terminal 10, buyer's mobile communication terminal 10 is by the payment information that used the server access URL of the issuer validation of information obtained, is automatically redirected paying server 220 thereby allow the Internet of buyer's mobile communication terminal 10 to connect.
In this case, described redirect message refers to the message that can not visually be confirmed by described buyer, but when receiving described redirect message by mobile communication terminal 10, it allows mobile communication terminal 10 to be connected to Redirect Address automatically, and need not described buyer's affirmation.
If receive sure authentication result from issuer's server 220, then authentication result is replied unit 215 and is sent described authentication result to acquirer server 240.
Simultaneously, can carry out the described request of checking and approving of the present invention by paying server 210 or merchant tenninal 20.At this moment, merchant tenninal 20 can be made the request of checking and approving by member store system, cable network intermediate system or the like.The main body of making the request of checking and approving is a merchant tenninal 20, and the system independence that passes through with the described process of checking and approving request, so merchant tenninal 20 can completely be made the request of checking and approving independently, this point is applied among subsequently the embodiment.
In previous example, authentication result is replied unit 215 transmissions and is comprised the approved for payment request message of described authentication result to acquirer server 240.If receive from acquirer server 240 and to check and approve the result, then authentication result is replied unit 215 the described result of checking and approving is sent to merchant tenninal 20 and buyer's mobile communication terminal 10, thereby finishes payment.
In the example afterwards, authentication result is replied unit 215 and is sent the mobile communication terminal 10 of authentication result message to acquirer server 240, merchant tenninal 20 and buyer, makes can directly handle between merchant tenninal 20 and acquirer server 240 and checks and approves.At this moment, for with the corresponding situation of the authentication result of receiving, if receive sure authentication result from paying server 210, and receive independent approved for payment request message from merchant tenninal 20 by member store system or cable network intermediate system, then acquirer server 240 carries out corresponding payment and checks and approves, send the approved for payment result to merchant tenninal 20 by described member store system or described cable network intermediate system, perhaps directly send described approved for payment result to merchant tenninal 20.Preferably, described approved for payment result also is sent to buyer's mobile communication terminal 10.
Next will come the authentication and the payment process by described system of the present invention execution of detailed descriptionwith reference 1 and 2 descriptions with reference to figure 5.
Fig. 5 is the process flow diagram that authentication according to an embodiment of the invention and method of payment are shown.
As shown in Figure 5, sell directly to households when making the decision of buying commodity in transaction or the mail-order marketing transaction between buyer and trade company when the off-line that is utilizing multimedia such as terrestrial broadcasting, satellite broadcasting or catalogue or printed medium, described buyer notifies described trade company at step S001 with his or her mobile communication terminal information and modes of payments information.At step S002, described trade company is by merchant tenninal 20 visit paying servers 110, and will comprise also that except that described buyer's payment authentication information the payment information of described mobile communication terminal number and transaction purchase information sends to paying server 110.
In this case, can in person described mobile communication terminal information and modes of payments information be input in the merchant tenninal 20 such as vending machine or ARS system by described buyer and come execution in step S001.In this case, if described buyer finishes the described information of input, then merchant tenninal 20 will be visited paying server 110 automatically and send the information imported to paying server 110 at step S002.
At step S003, paying server 110 sends to issuer's server 120 with described modes of payments information, and confirms whether described buyer has customized authentication service.If receive the response that described authentication service customization is confirmed from issuer's server 120 at step S004, then produce the callback URL message (SMS or MMS message) of the URL information that comprises that the described paying server of visit is required, and described callback URL message is sent to buyer's mobile communication terminal 10 at step S005 paying server 110.
In this case, described callback URL message can be configured to comprise purchase information.Confirm that step S003 and S004 that whether described buyer has customized described authentication service and received the response of described affirmation can both omit.
When described buyer had the payment purpose, described buyer confirmed the callback URL message that receives by mobile communication terminal 10 at step S006, and allows the callback feature visit paying server 110 of mobile communication terminal 10 by described message.
At step S007, paying server 110 will be included in step S002 and send to buyer's mobile communication terminal 10 from the radio web page of the modes of payments information of merchant tenninal 20 receptions, and ask buyer's mobile communication terminal 10 to confirm described modes of payments information.If receive response from buyer's mobile communication terminal 10, then in step S009 paying server 110 request buyers' mobile communication terminal 10 inputs payment authentication information (individual payment authentication information) about the corresponding payment mode to described modes of payments validation of information at step S008.
If in the callback URL message that step S005 is sent by paying server 110, do not comprise purchase information, then buying information when confirming described modes of payments information in step S007 request can be sent out together with described affirmation request, perhaps confirms can confirm purchase information before the described modes of payments information in request.
If receive payment authentication information from buyer's mobile communication terminal 10, then paying server 110 sends to issuer's server 120 at step S011 with the payment authentication information that receives, thereby to issuer's server 120 request payment authentications.At step S012, issuer's server 120 with the payment authentication information received during with the described modes of payments of distribution the payment authentication information of registered in advance and storage relatively authenticate, and send authentication result to paying server 110 at step S013.
Next, at step S014, paying server 110 will send to acquirer server 130 from the approved for payment request message that comprises described authentication result that issuer's server 120 receives.Acquirer server 130 is that the corresponding modes of payments is paid and checked and approved at step S015, and will check and approve the result at step S016 and send to paying server 110.
At step S017 and S018, paying server 110 will be from the mobile communication terminal 10 that the result is back to merchant tenninal 20 and buyer of checking and approving of acquirer server 130 receptions.Returning of the described result of checking and approving can be with the form of the message such as SMS or MMS message, and perhaps the form with radio web page realizes.
At step S013, paying server 110 can only send to authentication result acquirer server 130.In this case, acquirer server 130 is checked and approved according to the independent request of checking and approving that receives from merchant tenninal 20 or by member store system or cable network intermediate system (not shown).
Simultaneously, Fig. 5 has illustrated that paying server 110 receives the situation of modes of payments information from merchant tenninal 20.Yet, at step S002, paying server 110 can also receive mobile communication terminal number except that modes of payments information, about described buyer's payment authentication information and transaction purchase information, and can ask modes of payments information to the buyer's who is connected to paying server 110 mobile communication terminal 10 subsequently, and directly receive described modes of payments information from described buyer.
In this case, in the present embodiment, can come alternative steps S007 and S008 with the step of request input modes of payments information and the described modes of payments information of reception.After receiving described modes of payments information, before step S009 request input payment authentication information, must execution in step S003 and S004.
Next will be with reference to figure 6 and 7, by come detailed descriptionwith reference 3 and 4 described authentication and the payment process of carrying out by described system of the present invention according to the main body classification embodiment that sends modes of payments information.
Fig. 6 be according to another embodiment of the present invention authentication and the process flow diagram of method of payment, it shows paying server 210 wherein receives modes of payments information from merchant tenninal 20 embodiment.
As shown in Figure 6, sell directly to households when making the decision of buying commodity in transaction or the mail-order marketing transaction between buyer and trade company when the off-line that is utilizing multimedia such as terrestrial broadcasting, satellite broadcasting or catalogue or printed medium, described buyer notifies described trade company at step S101 with his or her mobile communication terminal information and modes of payments information.By merchant tenninal 20 visit paying servers 210, and will comprise also that except that described buyer's payment authentication information described buyer's the mobile communication terminal number and the payment information of transaction purchase information send to paying server 210 in the described trade company of step S102.
In this case, can in person described mobile communication terminal information and modes of payments information be input in the merchant tenninal 20 such as vending machine or ARS system by described buyer and come execution in step S101.In this case, if described buyer finishes the described information of input, then will visit paying server 210 automatically and send the information imported to paying server 210 in step S102 merchant tenninal 20.In addition, described trade company can send to paying server 210 with the information of importing by the member's commerce system such as the call center.
At step S103, paying server 210 sends to issuer's information management intermediate server 230 with described modes of payments information, and to the required URL information of issuer's information management intermediate server 230 request visit described issuer servers.At step S104, issuer's information management intermediate server 230 sends to issuer's server 220 with described modes of payments information, and confirms whether described buyer has customized authentication service.If receive the response that described authentication service customization is confirmed at step S105 from issuer's server 220, then will visit the required URL information of corresponding issuer and send to paying server 210 at step S106 issuer information management intermediate server 230.In this case, confirm that step S104 and S105 that whether described buyer has customized described authentication service and received the response of described affirmation can both be omitted.
Next, at step S107, paying server 210 produces the callback URL message of the URL information that comprises that the described paying server of visit is required, and described callback URL message is sent to buyer's mobile communication terminal 10.In this case, described callback URL message can be configured to comprise purchase information.
At step S108, when described buyer has the payment purpose, described buyer confirms the callback URL message that receives by mobile communication terminal 10, and allows mobile communication terminal 10 to visit paying server 210 by the callback feature that uses described message.
At step S109, paying server 210 will be included in step S102 and send to buyer's mobile communication terminal 10 from the radio web page of the modes of payments information of merchant tenninal 20 receptions, thereby ask buyer's mobile communication terminal 10 to confirm described modes of payments information.If receive response from buyer's mobile communication terminal 10 to described modes of payments validation of information at step S110, then at step S111, the described server access URL of the issuer information that paying server 210 utilization is obtained in step S103 to S106 will be used for the redirect message that the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server is sent to buyer's mobile communication terminal 10.
At this moment, if do not comprise purchase information in the callback URL message that in step S107, sends by paying server 210, then buying information when confirming described modes of payments information in step S109 request can be sent out together with described affirmation request, perhaps confirms can confirm purchase information before the described modes of payments information in request.
If when when step S110 is finished the affirmation of described modes of payments information by described buyer, receiving redirect message, then be automatically redirected to issuer's server 220 in the connection of step S112 buyer's mobile communication terminal 10 to paying server 210 from paying server 210 at step S111.
At step S113, the buyer's that 220 requests of issuer's server are coupled mobile communication terminal 10 inputs are about the payment authentication information (individual payment authentication information) of corresponding payment mode.If receive described payment authentication information from buyer's mobile communication terminal 10 at step S114, then step S115 issuer server 220 with the payment authentication information received during with distribution corresponding payment mode the payment authentication information of registered in advance and storage relatively authenticate, and send authentication result to paying server 210 at step S116.
Next, at step S117, paying server 210 will send to acquirer server 230 from the approved for payment request message that comprises described authentication result that issuer's server 220 receives.Acquirer server 230 is that the corresponding modes of payments is paid and checked and approved at step S118, and will check and approve the result at step S119 and send to paying server 210.
At step S120 and S121, paying server 210 will be from the mobile communication terminal 10 that the result is back to merchant tenninal 20 and buyer of checking and approving of acquirer server 230.Returning of the described result of checking and approving can be with the form of the message such as SMS or MMS message, and perhaps the form with radio web page realizes.
At step S117, paying server 210 can only send to authentication result acquirer server 230 simultaneously.In this case, acquirer server 230 is checked and approved according to the independent request of checking and approving that receives from merchant tenninal 20 or by member store system or cable network intermediate system (not shown).
Fig. 7 be according to another embodiment of the present invention authentication and the process flow diagram of method of payment, wherein paying server 210 receives modes of payments information from buyer's mobile communication terminal 10.
As shown in Figure 7, when the off-line that is utilizing multimedia such as terrestrial broadcasting, satellite broadcasting or catalogue or printed medium is sold directly to households when making the decision of buying commodity in transaction or the mail-order marketing transaction between buyer and trade company, described buyer number notifies described trade company at step S201 with his or her mobile communication terminal.At step S202, described trade company is by merchant tenninal 20 visit paying servers 210, and will comprise also that except that described buyer's payment authentication information described buyer's the mobile communication terminal number and the payment information of transaction purchase information send to paying server 210, and to paying server 210 request payments.
At step S203, paying server 210 produces the callback URL message (SMS or MMS message) of the URL information that comprises that the described paying server of visit is required, and described callback URL message is sent to buyer's mobile communication terminal 10.At step S204, when described buyer had the payment purpose, described buyer confirmed the callback URL message that receives by mobile communication terminal 10, and allows the callback feature visit paying server 210 of mobile communication terminal 10 by described message.
If buyer's mobile communication terminal 10 visit paying servers 210, then paying server 210 is in step S205 request buyer's mobile communication terminal 10 input modes of payments information.If receive described modes of payments information from buyer's mobile communication terminal 10 at step S206, then paying server 210 sends to issuer's information management intermediate server 230 at step S207 with corresponding payment mode information, and to the required URL information of issuer's information management intermediate server 230 request visit described issuer servers.
Whether at step S208, issuer's information management intermediate server 230 sends to issuer's server 220 with described modes of payments information, and confirm described buyer custom authentication service.If receive the response that described authentication service customization is confirmed at step S209 from issuer's server 220, then will visit the required URL information of corresponding issuer and send to paying server 210 at step S210 issuer information management intermediate server 230.In this case, confirm that step S208 and S209 that whether described buyer has customized described authentication service and received described affirmation response can both omit.
Next, at step S211 to S221 subsequently, paying server 210 utilizes the server access URL of the issuer information of being obtained, to be used for the redirect message that the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server is sent to buyer's mobile communication terminal 10, and carry out and authenticate and check and approve, identical among the embodiment of these steps and Fig. 6 is so omit detailed description.
As mentioned above, the invention provides a kind of authentication and authorisation system and method for utilizing mobile communication terminal, described system and method is using the multimedia such as terrestrial broadcasting, satellite broadcasting or catalogue or the trade company and the off-line between the buyer of printed medium to sell directly to households in transaction and the mail-order marketing transaction, utilize the terminal of described trade company and described buyer's mobile communication terminal to carry out authentication and payment and do not leak described buyer's payment information, and authenticate individually and check and approve.Therefore, the invention has the advantages that it provides a kind of being used for that authentication and payment services that on-line is carried out are extended to the new payment interface in the direct selling field such as working on the knocker, be considered to forge and the problem of the hand-written transaction of the illegal reason of using payment information thereby solved.In addition, the invention has the advantages that it provides a kind of and has sold new payment and the certificate scheme that uses mobile communication terminal in the transaction directly to households in on-line, thereby promote to sell directly to households transaction based on the stability and the reliability of transaction.
In addition, the invention has the advantages that it can be in off-line member store or the small-sized member store such as vending machine by safety and easily payment process carry out transaction, described off-line member store disadvantage is because position and transaction characteristic cause it that payment terminal can not be installed or that described terminal expection economic benefit is installed is not high
Although for illustrative purposes discloses described preferred embodiment of the present invention, yet those skilled in the art is to be appreciated that, under the situation that does not break away from scope and spirit of the present invention disclosed in the accompanying claims, various modifications, interpolation and replacement all are possible.Scope of the present invention is determined by claims rather than described detailed instructions.Therefore obviously, the embodiment that changes or revise of the institute of being derived by the implication of described claim and scope and their equivalents belongs to scope of the present invention.
Claims (36)
1, a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, the off-line of carrying out between trade company and the buyer is sold transaction and the multimedia of use such as terrestrial broadcasting, satellite broadcasting or catalogue or the mail-order marketing transaction of printed medium directly to households, described authentication and payment system comprise: issuer's server is used to issue, manage and move such as credit card, electronic money, mobile phone micropayments mode or the modes of payments from the direct debit of bank account; The acquirer server is used to carry out approved for payment and is the single and clearing of member store execution receipts; And paying server, between described issuer server and described acquirer server, provide authentication and payment services with request in response to described merchant tenninal, wherein:
Described paying server is used for: if described paying server also receives the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information except that described buyer's payment authentication information, then described paying server is carried out the process whether described buyer of affirmation has customized authentication service with described issuer server cooperation; Send the callback URL message of the URL information that comprises that the described paying server of visit is required to described buyer's mobile communication terminal; If described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described paying server is carried out the process of the detailed single and described buyer's of the purchase of confirming to comprise payment payment information; Payment authentication information reception such as password, PIN (Personal Identification Number) (PIN) or the chip authentication password about described buyer; Send the payment information that comprises payment authentication information, purchase information and the modes of payments information received to described issuer server; To described issuer server requests payment authentication; And if the corresponding transaction of described issuer server authentication and send indication and whether authenticate the successful authentication result, then will send to described acquirer server from the authentication result of described issuer server reception and the payment information that receives from described merchant tenninal, thereby allow described acquirer server approved for payment
Described issuer server is used for: when the described issuer of described paying server request server confirms whether described buyer has customized described authentication service, described issuer server sends response, and described issuer server with the payment authentication information that received during with the distribution modes of payments payment authentication information of registered in advance and storage compare, thereby authenticate, if and receive from described paying server and to comprise described payment authentication information, the payment information of purchase information and modes of payments information and asked payment authentication, then send the whether successful result of indication authentication to described paying server, and
If receive by the approved for payment request that obtain, that comprise sure authentication result of described issuer server from described paying server, then described acquirer server is paid for corresponding transaction and is checked and approved.
2, authentication as claimed in claim 1 and payment system, wherein said paying server comprises:
Callback URL message sending unit, be used to produce SMS or MMS message as described callback URL message, it comprises that the mobile communication terminal that allows described buyer visits the URL information of described paying server, if and described paying server receives described buyer's mobile communication terminal number from described merchant tenninal, then described callback URL message sending unit sends the mobile communication terminal of described callback URL message to described buyer;
The payment information confirmation unit, if described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described payment information confirmation unit and described buyer's mobile communication terminal cooperation confirms to comprise the detailed single and described payment information of described purchase of payment; And
Authentication result is replied the unit, if described payment information is identified, then ask described buyer's mobile communication terminal input and send payment authentication information, if receive described payment authentication information from described buyer's mobile communication terminal, then described authentication result is replied the unit and is comprised described payment authentication information to the server transmission of described issuer, the payment information of purchase information and modes of payments information and to described issuer server requests payment authentication, if and receive authentication result from described issuer server, then described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal.
3, authentication as claimed in claim 1 and payment system, wherein:
Described paying server receives described modes of payments information from described merchant tenninal or from described buyer's mobile communication terminal, the modes of payments information of being received is sent to described issuer server, ask described issuer server to confirm whether described buyer has customized and the corresponding authentication service of transaction, if and receive the response that customization is confirmed from described issuer server, then ask described buyer's mobile communication terminal input and send payment authentication information about described respective pay mode, and
Described issuer server is used for: if receive described modes of payments information from described paying server, then described issuer server confirms whether described buyer has customized and the corresponding authentication service of the described modes of payments, if and described buyer to be identified be the authentication service user, then described issuer server sends customization and confirms that response is to described paying server.
4, a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, the off-line of carrying out between trade company and the buyer is sold transaction and the multimedia of use such as terrestrial broadcasting, satellite broadcasting or catalogue or the mail-order marketing transaction of printed medium directly to households, described authentication and payment system comprise: issuer's server is used for distribution, management and the operation modes of payments; Distribution of information management intermediate server is used for the required URL information of management access home and overseas issuer server; The acquirer server is used to carry out approved for payment and is the single and clearing of member store execution receipts; And paying server, between described issuer server and described acquirer server, provide authentication and payment services with request in response to described merchant tenninal, wherein:
Described paying server is used for: if described paying server also receives the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information except that described buyer's payment authentication information, then described paying server sends the mobile communication terminal of the callback URL message of the URL information that comprises that the described paying server of visit is required to described buyer; Obtain the required URL information of issuer's server of visit corresponding payment mode from described issuer information management intermediate server; Send the described server access URL of issuer information is connected to the buyer of described paying server to the callback feature by described callback URL message mobile communication terminal; Carry out described buyer's mobile communication terminal and the authentication between the described issuer server; And if receive authentication result from described issuer server, then described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal, thereby allow to carry out approved for payment by described acquirer server
If receive described modes of payments information from described paying server, then described issuer information management intermediate server sends the required URL information of issuer's server of the described modes of payments of visit to described paying server,
Described issuer server is used for: if described buyer's mobile communication terminal utilizes the described server access URL of issuer to visit described issuer server, the described buyer's of then described issuer's server requests mobile communication terminal input and transmission are about the payment authentication information of the described modes of payments, the payment authentication information of registered in advance and storage compares during with the described modes of payments of distribution with the payment authentication information received, the corresponding transaction of authentication then, and
If receive authentication result from described paying server, then described acquirer server uses described authentication result to check and approve.
5, authentication as claimed in claim 4 and payment system, wherein said paying server comprises:
Callback URL message sending unit, if receive described buyer's mobile communication terminal number from described merchant tenninal, then described callback URL message sending unit produces and comprises that the mobile communication terminal that allows described buyer visits the described callback URL message of the URL information of described paying server, and sends the mobile communication terminal of described callback URL message to described buyer;
The payment information confirmation unit, if described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described payment information confirmation unit and described buyer's mobile communication terminal cooperation confirms to comprise the detailed list of purchase and the payment information of payment; And
The server access URL of issuer acquiring unit, if receive modes of payments information from described merchant tenninal or from described buyer's mobile communication terminal, the then described server access URL of issuer acquiring unit sends described modes of payments information to described issuer information management intermediate server, thereby obtains the required URL information of issuer's server of the corresponding modes of payments of visit;
The server access URL of issuer transmitting element, the server access URL of the issuer information that utilization is obtained by the described server access URL of issuer acquiring unit, to be used for the redirect message that the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server is sent to the buyer's who has confirmed described payment information mobile communication terminal, thereby the connection of described buyer's mobile communication terminal will be redirected to described issuer server; And
Authentication result is replied the unit, when between the buyer's who is being connected to described issuer server mobile communication terminal and the described issuer server by when being confirmed to authenticate about the payment authentication information of the corresponding modes of payments, if receive authentication result from described issuer server, then described authentication result is replied the unit described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal.
6, as claim 2 or 5 described authentication and payment systems, identifier or key assignments that the utilization of wherein said callback URL message sending unit is used for the purchase information that index receives from described merchant tenninal produce described callback URL message, make that described paying server can be by utilizing all information of buying as described that comprises among the URL when described buyer's mobile communication terminal receives described callback URL message and visits described paying server, the connection and the continuation of the Transaction Information between described buyer and the trade company discerned and managed to the information of index and identifier and so on.
7, as claim 2 or 5 described authentication and payment systems, wherein:
When described merchant tenninal receives Payment Request, described paying server receives the payment information that comprises described mobile communication terminal number, transaction purchase information and modes of payments information from described merchant tenninal, and
Described payment information confirmation unit will send to the buyer's who is connected to described paying server mobile communication terminal from the modes of payments information that described merchant tenninal receives, and from described buyer's mobile communication terminal confirmation of receipt response, thereby payment confirming information.
8, as claim 2 or 5 described authentication and payment systems, wherein:
Described payment information confirmation unit and the mobile communication terminal cooperation that is connected to the buyer of described paying server, affirmation comprises the buyer's of payment detailed list of purchase and payment information, ask described buyer's mobile communication terminal input and send modes of payments information, and receive described modes of payments information, thereby confirm described payment information from described buyer's mobile communication terminal.
9, as claim 2 or 5 described authentication and payment systems, wherein:
Described authentication result is replied the unit transmission and is comprised that the approved for payment request message of described authentication result is to described acquirer server, if and receive from described acquirer server and to check and approve the result, then the described result of checking and approving is sent to described merchant tenninal and described buyer's mobile communication terminal, and
If receive the approved for payment request message that comprises described authentication result from described paying server or member store system or cable network intermediate system, then described acquirer server carries out corresponding payment and checks and approves and return and check and approve the result.
10, as claim 2 or 5 described authentication and payment systems, wherein:
Described authentication result is replied the mobile communication terminal that the unit sends to authentication result message described acquirer server, described merchant tenninal and described buyer, the feasible approval process of between described merchant tenninal and described acquirer server, directly carrying out by the described authentication result of transmission/reception, and
Described acquirer server is used for: if receive described authentication result and directly or by member store system or cable network intermediate system receive independent approved for payment request message from described merchant tenninal from described paying server, then described acquirer server carries out corresponding payment and checks and approves, to check and approve the result and directly or by described member store system or cable network intermediate system send to described merchant tenninal, and the described result of checking and approving be sent to described buyer's mobile communication terminal.
11, authentication as claimed in claim 4 and payment system, if wherein receive described modes of payments information from described paying server, then described issuer information management intermediate server sends the required URL information of the corresponding issuer of visit server to described paying server, the server distribution of wherein said corresponding issuer, management and operation corresponding payment mode.
12, authentication as claimed in claim 11 and payment system, wherein said issuer information management intermediate server will send to corresponding issuer server from the modes of payments information that described paying server receives, ask described issuer server to confirm whether described buyer has customized and the corresponding authentication service of transaction, if and receive the response that described customization is confirmed from described issuer server, then will visit the required URL information of described issuer server and send to described paying server, and
If receive described modes of payments information from described issuer information management intermediate server, then described issuer server confirms whether described buyer has customized and the corresponding authentication service of the described modes of payments, if and described buyer to be identified be the authentication service user, then described issuer server sends response that described customization confirms to described issuer information management intermediate server.
13, as claim 1 or 4 described authentication and payment systems, also comprise intermediate server, be used for inserting approved for payment and receive single process between described paying server and described acquirer server, described acquirer server receives the request of checking and approving from described intermediate server.
14, a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, carrying out off-line between trade company and the buyer sells transaction directly to households and uses such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction, described authentication and payment system comprise: paying server, be used to be inserted between issuer's server and the acquirer server so that authentication and payment services to be provided, described issuer server responds the request distribution of described merchant tenninal, the management and the operation modes of payments, described acquirer server is carried out approved for payment and is the single and clearing of member store execution receipts, wherein:
Described paying server comprises,
Callback URL message sending unit, if described paying server is except about also receiving the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information from described merchant tenninal described buyer's the payment authentication information, then described callback URL message sending unit produces and comprises that the mobile communication terminal that allows described buyer visits the callback URL message of the URL information of described paying server, and sends the mobile communication terminal of described callback URL message to described buyer;
The payment information confirmation unit, if described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described payment information confirmation unit and described buyer's mobile communication terminal cooperation confirms that the buyer who comprises payment buys detailed list and payment information; And
Authentication result is replied the unit, if described payment information is identified, then asks described buyer's mobile communication terminal input payment authentication information; If received described payment authentication information, then send the payment information comprise corresponding purchase information and modes of payments information and payment authentication information to described issuer server, and to described issuer server requests payment authentication; And if receive authentication result from described issuer server, then described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal, thereby allow to carry out approved for payment by described acquirer server.
15, authentication as claimed in claim 14 and payment system, wherein:
Described paying server receives described modes of payments information from described merchant tenninal or from described buyer's mobile communication terminal, the modes of payments information that is received is sent to described issuer server, and ask described issuer server to confirm whether described buyer has customized and the corresponding authentication service of described transaction, and
Confirm response if receive customization from described issuer server, then described authentication result is replied the payment authentication information of the described buyer's of unit requests mobile communication terminal input about the described modes of payments.
16, a kind of authentication and payment system, it utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet connects of buyer, carrying out off-line between trade company and the buyer sells transaction directly to households and uses such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction, described authentication and payment system comprise: paying server, be inserted into issuer's server, authenticate and payment services to provide between issuer's information management intermediate server and the acquirer server, described issuer server is in response to the request distribution of described merchant tenninal, the management and the operation modes of payments, the required URL information of described issuer's information management intermediate server management access home and overseas issuer's server, described acquirer server is carried out approved for payment and is the single and clearing of member store execution receipts, wherein:
Described paying server comprises,
Callback URL message sending unit, if described paying server is except about also receiving the mobile communication terminal number that comprises described buyer and the payment information of transaction purchase information from described merchant tenninal described buyer's the payment authentication information, then described callback URL message sending unit produces and comprises that the mobile communication terminal that allows described buyer visits the callback URL message of the URL information of described paying server, and sends the mobile communication terminal of described callback URL message to described buyer;
The payment information confirmation unit, if described buyer's mobile communication terminal is visited described paying server by the callback feature of described callback URL message, then described payment information confirmation unit and described buyer's mobile communication terminal cooperation confirms that the buyer who comprises payment buys detailed list and payment information;
The server access URL of issuer acquiring unit, if receive modes of payments information from described merchant tenninal or from described buyer's mobile communication terminal, the then described server access URL of issuer acquiring unit sends described modes of payments information to described issuer information management intermediate server, thereby obtains the required URL information of issuer's server of the described modes of payments of visit;
The server access URL of issuer transmitting element, the server access URL of the issuer information that utilization is obtained by the described server access URL of issuer acquiring unit, to be used for the redirect message that the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server is sent to the buyer's who has confirmed described payment information mobile communication terminal, carry out authentication by described issuer server thereby the connection of described buyer's mobile communication terminal is redirected to described issuer server and allows; And
Authentication result is replied the unit, when between the buyer's who is being connected to described issuer server mobile communication terminal and the described issuer server by when being confirmed to authenticate about the payment authentication information of the corresponding modes of payments, if receive authentication result, then described authentication result is sent to described acquirer server together with the payment information that receives from described merchant tenninal and allows described acquirer server to carry out approved for payment from described issuer server.
17, authentication as claimed in claim 16 and payment system, also comprise issuer's information management intermediate server, if receive described modes of payments information from described paying server, then described issuer information management intermediate server sends the required URL information of the corresponding issuer of visit server to described paying server, the server distribution of described issuer, management and operation corresponding payment mode.
18, authentication as claimed in claim 17 and payment system, wherein:
If receive described modes of payments information from described issuer information management intermediate server, then described issuer server confirms whether described buyer has customized and the corresponding authentication service of the described modes of payments, if and described buyer to be identified be the authentication service user, then described issuer server sends the response of described customization affirmation to described issuer information management intermediate server, and
Described issuer information management intermediate server will send to corresponding issuer server from the modes of payments information that described paying server receives, ask described issuer server to confirm whether described buyer has customized and the corresponding authentication service of the described modes of payments, if and received the response that described customization is confirmed from described issuer server, then will visit the required URL information of described issuer server and send to described paying server.
19, as claim 14 or 16 described authentication and payment systems, wherein:
Identifier or key assignments that described callback URL message sending unit is used for the purchase information that index receives from described merchant tenninal produce described callback URL message, make that the connection and the continuation of the Transaction Information between described buyer and the trade company be discerned and be managed to described paying server can by utilizing all information of buying information, index and identifier and so on as described that comprises among the URL when described buyer's mobile communication terminal receives described callback URL message and visits described paying server.
20, as claim 14 or 16 described authentication and payment systems, wherein:
When described merchant tenninal receives Payment Request, described paying server is except that about also receiving the payment information of the mobile communication terminal number, modes of payments information and the transaction purchase information that comprise described buyer from described merchant tenninal described buyer's the payment authentication information, and
Described payment information confirmation unit confirms to comprise described buyer's the detailed list of purchase and the payment information of modes of payments information, the detailed payment that singly comprises of described buyer's purchase with the mobile communication terminal cooperation that is connected to the buyer of described paying server.
21, as claim 14 or 16 described authentication and payment systems, wherein:
The request of described payment information confirmation unit is connected to the buyer's of described paying server mobile communication terminal input and transmission modes of payments information, and receive described modes of payments information from described buyer's mobile communication terminal, thereby confirm described payment information.
22, as claim 14 or 16 described authentication and payment systems, wherein said authentication result is replied the unit transmission and is comprised that the approved for payment request message of sure authentication result is to described acquirer server, if and receive from described acquirer server and to check and approve the result, then the described result of checking and approving is sent to described merchant tenninal and described buyer's mobile communication terminal.
23, as claim 14 or 16 described authentication and payment systems, wherein:
If receive sure authentication result and directly or by member store system or cable network intermediate system receive independent approved for payment request message from described paying server, then described acquirer server carries out corresponding payment to be checked and approved and returns and check and approve the result, and
Described authentication result is replied the unit authentication result message is sent to described acquirer server, described merchant tenninal and described buyer's mobile communication terminal, makes by the described authentication result of transmissions/reception direct execution approval process between described merchant tenninal and described acquirer server.
24, as claim 14 or 16 described authentication and payment systems, also comprise intermediate server, be used for inserting the approved for payment process and receive single process between described paying server and described acquirer server, described acquirer server receives the request of checking and approving from described intermediate server.
25, a kind of authentication and method of payment of carrying out by authentication and payment system, described system comprises the paying server that is inserted between issuer's server and the acquirer server, the server distribution of described issuer and the operation modes of payments, described acquirer server is carried out approved for payment, described authentication utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet is connected of buyer with method of payment, carrying out off-line between trade company and the buyer sells transaction directly to households and uses such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction, described method comprises:
Callback URL message forwarding step, if except that described buyer's payment authentication information, also receiving the payment information and the payment that comprise mobile communication terminal number and transaction purchase information from described merchant tenninal is requested, then produce the callback URL message of the URL information that comprises that the described paying server of visit is required, and send the mobile communication terminal of described callback URL message to described buyer;
Buy validation of information and modes of payments information forwarding step, the mobile communication terminal cooperation that is connected to the buyer of described paying server with callback feature by described callback URL message confirms to comprise the buyer's of payment detailed list of purchase and payment information;
The authentication request step, if described payment information is identified, then ask the payment authentication information of described buyer's mobile communication terminal input about the corresponding payment mode, if and received described payment authentication information from described buyer's mobile communication terminal, would then send described payment authentication information and modes of payments information and come to described issuer server requests payment authentication to corresponding issuer server; And
Authentication result is returned step, if thereby the payment authentication information of payment authentication information that described issuer server will receive from described buyer's mobile communication terminal and registered in advance compares the corresponding transaction of authentication, and send the whether successful result of indication authentication to described paying server, then described paying server send the authentication result that receives from described issuer server and the payment information that receives from described merchant tenninal to described acquirer server check and approve so that allow described acquirer server by utilizing to come to pay for the described modes of payments from the authentication result of described issuer server.
26, authentication as claimed in claim 25 and method of payment, wherein carry out and buy validation of information and modes of payments information forwarding step, confirm to comprise detailed single and described modes of payments information and the payment information that receive from described merchant tenninal of described buyer's purchase with the mobile communication terminal cooperation that is connected to the buyer of described paying server with callback feature by described callback URL message, described buyer's purchase is known clearly and is singly comprised payment.
27, authentication as claimed in claim 26 and method of payment, also comprise step: before described callback URL message forwarding step, described paying server will send to corresponding issuer server from the modes of payments information that described merchant tenninal receives, and ask described issuer server to confirm whether described buyer has customized and the corresponding authentication service of the described modes of payments
Wherein when described buyer is confirmed to be the authentication service user by described issuer server,, then carry out described callback URL message forwarding step if receive the response that customization is confirmed to authentication service from described issuer server.
28, authentication as claimed in claim 25 and method of payment, wherein carry out described purchase validation of information and modes of payments information forwarding step, be connected to the callback feature of request by described callback URL message described paying server the buyer the mobile communication terminal input and send modes of payments information, and receive described modes of payments information from described buyer's mobile communication terminal.
29, authentication as claimed in claim 28 and method of payment, also comprise step: before carrying out described authentication request step, after carrying out described purchase validation of information and modes of payments information forwarding step, the modes of payments information that described paying server will receive from described buyer's mobile communication terminal sends to described issuer server, and ask described issuer server to confirm whether described buyer has customized and the corresponding authentication service of the described modes of payments
Wherein be identified when being the authentication service user as described buyer,, then carry out described authentication request step if receive the response that described authentication service customization is confirmed from described issuer server.
30, a kind of authentication and method of payment of carrying out by authentication and payment system, described system comprises and is inserted in issuer's server, paying server between issuer's information management intermediate server and the acquirer server, the server distribution of described issuer and the operation modes of payments, the required URL information of described capable mechanism information management intermediate server management access home and overseas issuer's server, described acquirer server is carried out approved for payment, described authentication utilizes can receiving message and carrying out the mobile communication terminal that wireless Internet is connected of buyer with method of payment, carrying out off-line between trade company and the buyer sells transaction directly to households and uses such as terrestrial broadcasting, multimedia of satellite broadcasting or catalogue and so on or the mail-order marketing of printed medium transaction, described method comprises:
Callback URL message forwarding step, if except that described buyer's payment authentication information, also receiving the payment information and the payment that comprise mobile communication terminal number and transaction purchase information is requested, then produce the callback URL message of the URL information that comprises that the described paying server of visit is required, and send the mobile communication terminal of described callback URL message to described buyer;
Buy validation of information and modes of payments information forwarding step, the mobile communication terminal cooperation that is connected to the buyer of described paying server with callback feature by described callback URL message confirms to comprise the buyer's of payment detailed list of purchase and payment information;
The redirect request step, if described payment information is identified, then described paying server uses the server access URL of the issuer information obtained by described issuer information management intermediate server that redirect message is sent to described buyer's mobile communication terminal, and described redirect message is used for the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server; And
Authentication result is returned step, if thereby the payment authentication information of payment authentication information that described issuer server will receive from described buyer's mobile communication terminal and registered in advance compares the corresponding transaction of authentication, and send the whether successful result of indication authentication to described paying server, authentication result that then described paying server will receive from described issuer server and the payment information that receives from described merchant tenninal send to described acquirer server, check and approve so that allow described acquirer server by utilizing to come to pay for the described modes of payments from the authentication result of described issuer server.
31, authentication as claimed in claim 30 and method of payment, wherein:
Described system also comprises the issuer's information management intermediate server that is used for the required URL information of management access home and overseas issuer server, and
Described method also comprises step: before described callback URL message forwarding step,
If receive described modes of payments information from described merchant tenninal, then described paying server sends to described issuer information management intermediate server with described modes of payments information; And
Described issuer information management intermediate server will be visited the required URL information of corresponding issuer server and be sent to described paying server, and
Described purchase validation of information and modes of payments information forwarding step comprise step:
The callback feature that will send to by described callback URL message from the modes of payments information that described merchant tenninal receives is connected to the buyer's of described paying server mobile communication terminal, thereby asks described buyer's mobile communication terminal to confirm described modes of payments information; And
If receive response to described modes of payments validation of information from described buyer's mobile communication terminal, then use the server access URL of the issuer information obtained that redirect message is sent to described buyer's mobile communication terminal, described redirect message is used for the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server.
32, authentication as claimed in claim 30 and method of payment, wherein said purchase validation of information and modes of payments information forwarding step comprise step:
Request is connected to the buyer's of described paying server mobile communication terminal input modes of payments information by the callback feature of described callback URL message;
If the mobile communication terminal from described buyer receives described modes of payments information, then described modes of payments information is sent to described issuer information management intermediate server;
Described issuer information management intermediate server sends to described paying server with the corresponding server access URL of issuer information; And
Use the described server access URL of issuer information that redirect message is sent to described buyer's mobile communication terminal, described redirect message is used for the connection of described buyer's mobile communication terminal is redirected to described issuer server automatically from described paying server.
33, as claim 31 or 32 described authentication and methods of payment, the wherein said server access URL of issuer information forwarding step comprises step:
Described modes of payments information is sent to issuer's server of corresponding payment mode, and confirm whether described buyer has customized and the corresponding authentication service of the described modes of payments; And
When described buyer is identified when being the authentication service user,, then the described server access URL of issuer information is sent to described paying server if receive the response that described authentication service customization is confirmed from described issuer server.
34, as claim 25 or 30 described authentication and methods of payment, wherein said callback URL message forwarding step is used for: if receive described buyer's information from described merchant tenninal, then described paying server produces the mobile communication terminal that comprises the callback URL message of the purchase information that is received and described callback URL message is sent to described buyer.
35, as claim 25 or 30 described authentication and methods of payment, wherein said authentication result is returned step and is comprised step:
The approved for payment request message of the payment information that will comprise the authentication result that receives from described issuer server and receive from described merchant tenninal sends to described acquirer server; And
If receive with reference to what described authentication result was handled from described acquirer server and to check and approve the result, then the described result of checking and approving is sent to described merchant tenninal and described buyer's mobile communication terminal.
36, as claim 25 or 30 described authentication and methods of payment, wherein:
Described acquirer server is according to directly or by member store system or cable network intermediate system checking and approving from the request of checking and approving that described merchant tenninal receives, and will check and approve the mobile communication terminal that the result sends to described merchant tenninal and described buyer, and
Carry out described authentication result and return step will send to described acquirer server, described merchant tenninal and described buyer's mobile communication terminal from the authentication result that described issuer server receives.
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| CN101918954B (en) * | 2008-01-16 | 2014-06-25 | 联邦印刷有限公司 | Method for reading attributes from an ID token |
| US10142324B2 (en) | 2008-01-16 | 2018-11-27 | Bundesdruckerei Gmbh | Method for reading attributes from an ID token |
| US9398004B2 (en) | 2008-01-16 | 2016-07-19 | Bundesdruckerei Gmbh | Method for reading attributes from an ID token |
| US9047455B2 (en) | 2008-01-16 | 2015-06-02 | Bundesdruckerei Gmbh | Method for reading attributes from an ID token |
| WO2010148646A1 (en) * | 2009-06-25 | 2010-12-29 | 中国银联股份有限公司 | Method for safely and automatically downloading terminal master key in bank card payment system and the system thereof |
| CN102473212B (en) * | 2009-07-14 | 2016-01-20 | 联邦印刷有限公司 | Generate the method for soft token |
| US8806582B2 (en) | 2009-07-14 | 2014-08-12 | Bundesdruckerei Gmbh | Method for reading attributes from an ID token |
| CN102483779B (en) * | 2009-07-14 | 2015-05-06 | 联邦印刷有限公司 | Method for reading attributes from an id token and the computer system |
| US9240992B2 (en) | 2009-07-14 | 2016-01-19 | Bundesdruckerei Gmbh | Method for producing a soft token |
| CN102483779A (en) * | 2009-07-14 | 2012-05-30 | 联邦印刷有限公司 | Method for reading attributes from an id token |
| CN102473212A (en) * | 2009-07-14 | 2012-05-23 | 联邦印刷有限公司 | Method for producing a soft token |
| US9461990B2 (en) | 2009-07-14 | 2016-10-04 | Bundesdruckerei Gmbh | Method for reading attributes from an ID token |
| WO2011035515A1 (en) * | 2009-09-25 | 2011-03-31 | 国民技术股份有限公司 | Identification method and system for wireless payment |
| WO2013067910A1 (en) * | 2011-11-07 | 2013-05-16 | 深圳一卡通新技术有限公司 | Dynamic-payment system and method based on asynchronous communication technology |
| CN103455916A (en) * | 2012-05-28 | 2013-12-18 | 中国银联股份有限公司 | Remote wireless authentication method and remote wireless authentication system |
| CN103514539A (en) * | 2012-06-27 | 2014-01-15 | 凗閒兼 | Method for issuing payment unit and using method therefor |
| CN107659832A (en) * | 2016-07-26 | 2018-02-02 | 北京优朋普乐科技有限公司 | A kind of means of payment system of selection, apparatus and system |
| WO2018141141A1 (en) * | 2017-02-06 | 2018-08-09 | 吕文华 | Circulation method for binary system digital currency |
Also Published As
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| AU2005275633A1 (en) | 2006-03-02 |
| EP1784772A1 (en) | 2007-05-16 |
| KR100930457B1 (en) | 2009-12-08 |
| US9990622B2 (en) | 2018-06-05 |
| EP2587420A1 (en) | 2013-05-01 |
| BRPI0515237A (en) | 2008-07-15 |
| CA2577682A1 (en) | 2006-03-02 |
| EP1784772A4 (en) | 2012-07-11 |
| US20180253714A1 (en) | 2018-09-06 |
| JP2008511067A (en) | 2008-04-10 |
| US11645640B2 (en) | 2023-05-09 |
| WO2006022513A1 (en) | 2006-03-02 |
| NZ553995A (en) | 2010-07-30 |
| MY145482A (en) | 2012-02-29 |
| US20080189186A1 (en) | 2008-08-07 |
| RU2381557C2 (en) | 2010-02-10 |
| KR20060018792A (en) | 2006-03-02 |
| JP5007821B2 (en) | 2012-08-22 |
| RU2007110824A (en) | 2008-10-10 |
| CN104156858A (en) | 2014-11-19 |
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